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I had positive payment history on my SL for three years. Now there is some info missing some periods for all 3 reports state ND (No Data). Does this affect my credit score?
@buckeyelady84 wrote:I had positive payment history on my SL for three years. Now there is some info missing some periods for all 3 reports state ND (No Data). Does this affect my credit score?
Nope, just means No Data. Not good or bad.
@Shogun wrote:
@buckeyelady84 wrote:I had positive payment history on my SL for three years. Now there is some info missing some periods for all 3 reports state ND (No Data). Does this affect my credit score?
Nope, just means No Data. Not good or bad.
+1. I've seen this on some of my older accounts; when lates age off they are replaced by "ND".
Thank you, I freaked out when my CK FAKO dropped when the payments disappeared. They were all positive.
@buckeyelady84 wrote:I had positive payment history on my SL for three years. Now there is some info missing some periods for all 3 reports state ND (No Data). Does this affect my credit score?
I think the real answer to the question of whether having ND's reporting affects your score or not is "it depends".
My CR from EQ lists MULTIPLE sallie mae accounts as 90/120 lates..... with a myFico score of 661.
My CR from TU lists these same accounts as ND..... with a myFIco score of 696.
It looks to me that having the TU accounts listed as ND actually help that score, as all other accounts on the two reports are exactly identical.
HOWEVER, I do not think having positive accounts listed as ND would hurt you.
@DrMac210 wrote:
@buckeyelady84 wrote:I had positive payment history on my SL for three years. Now there is some info missing some periods for all 3 reports state ND (No Data). Does this affect my credit score?
I think the real answer to the question of whether having ND's reporting affects your score or not is "it depends".
My CR from EQ lists MULTIPLE sallie mae accounts as 90/120 lates..... with a myFico score of 661.
My CR from TU lists these same accounts as ND..... with a myFIco score of 696.
It looks to me that having the TU accounts listed as ND actually help that score, as all other accounts on the two reports are exactly identical.
HOWEVER, I do not think having positive accounts listed as ND would hurt you.
If these accounts are not showing late payments on TU then it explains the score difference. The ND remark itself is innocuous, but if late payments are showing rather than ND then it will hurt your FICO score.